424 Canary Ln, Saint Charles, MO 63301 Property Records

St. Charles County property record for 424 Canary Ln, Saint Charles, MO 63301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,048 sqft · built 1972
Lot Size	0.19 acres (8,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (May 2020)
Tax Bill	$2,904 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`039970A000`

Property Details

APN / Parcel Number

Primary APN	`039970A000`
Alternative APN	`6-0005-4011-00-0288.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,048 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft

Exterior

Year Built	Built 1972
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	8,280 sqft
Lot Dimensions	120 ft deep x 69 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	84 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	039970A000
Old Parcel Number	039970A000
Street Address	424 CANARY LN
City	SAINT CHARLES
State	MO
Zip	63301-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	CARDINAL WOOD #6 LOT 288
Legal Range	04E
Legal Township	47N
Legal Subdivision	CARDINAL WOOD #6
Legal Lot Number	288
Jurisdiction	ST CHARLES MO
Township / Civil Division	LINDENWOOD
Census Block Group	2
Census Block	2018
Census Tract	310602

Owner

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	424 CANARY LN, SAINT CHARLES, MO 63301-1237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2023	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
May 11, 2020	Warranty Deed, Transfer CALIBER HM LOANS
Dec 20, 2019	Court-Ordered Deed, Foreclosure OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2020 · Amount on Record
Deed Sale	May 11, 2020 · Amount on Record
Prior Sale	Dec 20, 2019 · Amount on Record
Deed Document Number	0072912281
Deed Book / Page	7291 / 2281
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	424 CANARY LN, SAINT CHARLES, MO 63301-1237
Transaction Type	Mortgage
Record Updated	Apr 7, 2023
Title Company	CLEAR TITLE GROUP LLC, CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 CANARY LN, SAINT CHARLES, MO 63301-1237

Mortgage

Document Number	0000009966
Date	Mar 17, 2023
Instrument	2023R-009966

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 11, 2020
Property Address	424 CANARY LN, SAINT CHARLES, MO 63301-1237
Document Number	0072912281
Book / Page	007291 / 002281
Instrument Date	May 7, 2020
Instrument	301940
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	SELECT TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	424 CANARY LN ST CHARLES MO 633011237, ST CHARLES, MO 63301-1237

Mortgage

Document Number	72912283
Date	May 11, 2020
Book Page	007291/002283
Instrument	301950

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 10, 2050

December 2019: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 20, 2019
Property Address	424 CANARY LN, SAINT CHARLES, MO 63301-1237
Document Number	0072031022
Book / Page	007203 / 001022
Instrument Date	Dec 5, 2019
Instrument	736130
Transaction Type	Foreclosure
Record Updated	Jun 2, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 RUE GRAND DR LAKE ST LOUIS MO 633671715, LAKE ST LOUIS, MO 63367-1715

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	St. Charles R-VI School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,904.00	$46,270 (+13.56%)	$243,527 (+13.56%) Land $50,000 Building $193,527
2023		$40,745
2022			$214,448 Land $50,000 Building $164,448

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	71 (1979–2022)
Claims Outside the SFHA	11 of 71
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 13 claims Flooding, Jun 2011 · 15 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 11 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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